It all adds up to just a couple of percent. That's a lot in aggregate, but for most people the convenience is worth it. Remember having to go to the bank every

It all adds up to just a couple of percent. That's a lot in aggregate, but for most people the convenience is worth it. Remember having to go to the bank every payday and getting enough cash for the week? Or carrying a checkbook everywhere? If you're under 40, you probably don't.